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1st MidAmerica Credit Union Exceeding Member Expectations
1st MidAmerica Credit Union

Vehicle Loans

Buying a vehicle is easy at 1st MidAmerica!

car keys, vehicle loans

1st MidAmerica is a full-service lending institution. We offer loans to purchase or refinance new or used vehicles, boats, watercraft, recreational vehicles, campers, motorcycles, and more!

Our interest rates are always competitive and we will lend up to 125% of the sales price plus costs to cover sales tax, title work and extended warranties to qualified members. The credit union also offers temporary credit disability insurance and credit life insurance at a nominal cost.

With our low rates and low fees, what are you waiting for?

Additional Programs and Services

We also offer additional programs and services to make the process of buying a vehicle a breeze. 

GAP Insurance

subaru car, vehicle loansIf the vehicle you financed through us is in an accident or is stolen, your primary insurance carrier will only cover the actual market value of the vehicle at the time of the loss. Should your insurance carrier deem your vehicle a total loss, GAP Protection Insurance (Guaranteed Asset Protection) reimburses the difference between the actual / market value of your vehicle and the loan payoff, if that amount is greater.*

*Complete terms and provisions are contained within each Agreement.


We have partnered with Route 66 Warranty to provide you with a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. That’s why so many people depend on Route 66 Warranty. No matter where you travel in the United States, Route 66 Warranty protects you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor. From Drivetrain Coverage to more Deluxe and Factory Type Coverage, a variety of plan options are available.

All of the plans come with 24 hour/7days a week Emergency Roadside Service. To accommodate members who would like to purchase a warranty and already have an 1st MidAmerica auto loan, or may have an auto loan at another financial institution, we have a special offer for this new program.

We are now offering an 18 month signature loan at 1.9% APR to anyone who would like to finance a credit union offered warranty.

*Complete terms and provisions are contained within each Service Agreement. Special loan and rate subject to credit worthiness.

Indirect Program & Dealerships

1st MidAmerica has established lending relationships with many automobile, boat, RV and ATV dealerships to provide our members with ease in obtaining credit union financing. When making a purchase from one of our participating dealers, members can complete all loan processing right from the dealer's office while receiving the financing from 1st MidAmerica. This arrangement allows you the added convenience of "one stop shopping." The rates, terms and features of the loan are the same as those offered to members at the credit union facility.

Click here for a list of affiliated dealerships.

We have also partnered with CUDL (Credit Union Direct Lending) to offer our members one-stop vehicle shopping when purchasing an automobile. Members who used dealerships partnered with us can choose their vehicle and secure financing through the credit union right at the dealership - no separate trip to a branch to apply for a loan is required. The approval process is a quick and convenient way for members to purchase a vehicle.

Click here for more information.

Auto Insurance

Take care of your insurance needs at 1st MidAmerica Credit Union
Through our Credit Union Insurance Agency (CUIA)*, we’re proud to offer a full range of insurance options.

CUIA representatives are independent, trained insurance agents who are ready to meet with you one-on-one to discuss your insurance needs. We’ve partnered with trusted and respected names to bring you quality, security, service and convenience. We’d be happy to put our expertise and resources to work in constructing an affordable policy for you.

CUIA Quote

* The Credit Union Insurance Agency, LLC is a wholly owned subsidiary of Members Resource LLC, a Credit Union Service Organization. Business conducted with the Credit Union Insurance Agency, LLC is separate and distinct from any business conducted with Members Resource LLC, its parent Credit Union or its partner Credit Unions. Insurance products offered by the Credit Union Insurance Agency, LLC are not (i) deposits of Members Resource LLC, its parent Credit Union or its partner Credit Unions, therefore are not protected by the NCUA and are not exclusive to Credit Union members and (ii) an obligation of or guaranteed by Members Resource LLC, its parent Credit Union or its partner Credit Unions and may be subject to risk. Any insurance required as a condition of an extension of credit by Members Resource LLC, its parent Credit Union or its partner Credit Unions need not be purchased from Credit Union Insurance Agency, LLC and may be purchased from an agent or insurance company of the member’s choice.

Your savings federally insured to at least $250,000 by the National Credit Union Administration. An additional $250,000 is privately insured by ESI.
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